Question 1

Can you use Visitors Insurance for regular check-ups, eye exams and dentist check-ups?

Accepted Answer

Unfortunately no, visitors insurance only covers for any new and unexpected illness and injuries.

Examples of such would include; a broken arm because of a fall, injuries due to a car accident, a visit to the emergency room for food poisoning, or a bad case of the flu. Visitors insurance does not cover for routine check-ups. This encompasses things like: physical examinations, eye exams, dentist check-ups, vaccinations and regular care like blood pressure checks.

This is true for all visitors insurance providers and plans. The reason for this is mostly because if insurance companies paid for both emergencies and routine check-ups, insurance premiums would be very high. Rather, you should be sure to visit your doctor for a physical examination before you leave on your trip and get any care you might need before traveling abroad. This might include a flu vaccination, dental check-ups, or a new vision prescription. Additionally, you should be sure to pack enough medication if you have any prescriptions that you need to take, as it would be quite costly to purchase prescriptions that you are already prescribed away from home.

For a complete explanation of why routine care is not covered with visitors insurance, please read: Physical Examinations Are Not Covered Under Visitors Insurance Plans. Please feel free to email us at support@visitorscoverage.com for any additional information.

Question 2

Can I buy travel insurance if I'm already in the US?

Accepted Answer

Yes, you can purchase travel insurance if you are already in the US, but the sooner you purchase, the better, as you want to make sure your insurance will cover you for any unexpected illness or injury during your visit. When filling out the application, enter the "trip start date" as the date you would like your coverage to begin. Most coverage can begin as soon as the next day. If you have any further questions or need assistance in selecting a plan, please contact our team of licensed insurance consultants at 1.866.384.9104 or support@visitorscoverage.com.

Question 3

Are Visitors Insurance plans cancellable?

Accepted Answer

Yes, most visitor travel medical insurance plans are cancellable. If you cancel your plan before the policy start date, you’ll typically receive a full refund. For cancellations after the policy start date, many plans offer a pro-rated refund, minus a cancellation fee, provided the policy hasn’t been used (e.g., no claims have been made).

To request a cancellation, simply log into your account using your policy ID and follow the cancellation process. For more detailed information about cancelling your policy, visit our cancellation process page.

Question 4

Does visitors insurance or travel medical insurance cover prescriptions or prescription drugs?

Accepted Answer

Travel medical insurance provides coverage for prescription medication for new illnesses and injuries. Most of the time, you will need to pay for prescriptions out of pocket and file a claim for reimbursement, so be sure to keep all receipts.

Question 5

Can I cancel the plan, if I decide to go back earlier?

Accepted Answer

Most travel medical plans are cancellable. Depending on the plan purchased, the cancellation terms will vary. After the policy start date, if there are no claims on file, you may be eligible for a refund. Please review the cancellation terms and conditions in your policy documents.

Question 6

When does my coverage start on my travel medical insurance plan?

Accepted Answer

Coverage on a Travel Medical insurance plan will begin on the effective date chosen and once the policyholder departs their home country.

Question 7

What is an acute onset of a pre-existing condition?

Accepted Answer

An acute onset refers to a sudden and unexpected recurrence of a pre-existing condition that occurs spontaneously and without warning. It typically requires immediate medical attention and is usually of short duration. The determination of whether a medical event qualifies as an acute onset is made by the attending physician. If a previously stable condition suddenly worsens and necessitates urgent care, some travel insurance plans may cover the related costs, provided the situation meets the policy’s specific terms.

It’s crucial to review the policy details for coverage limits and eligibility to ensure the plan meets your needs. To learn more about an acute onset of a pre-existing condition, click here. If you still need help or want to figure out the best plans for you, contact us at support@visitorscoverage.com or call 1-866-384-9104.

Question 8

Which doctor or hospital can I go to?

Accepted Answer

You can visit any doctor or hospital of your choice. Depending on what plan you have, you may have a choice of using a PPO network specific to your insurance policy. You can locate PPO providers here.

For coverage outside of the U.S, you can go to any doctor or hospital of your choice.

Question 9

What information do I need to buy a plan?

Accepted Answer

To purchase a travel insurance plan, you will need to have the following information ready: Name(s) of travelers, date of birth(s), coverage duration, home country address, and a valid credit card for the purchase.

Question 10

Do I need to provide any medical documents to the insurance company before purchasing the insurance?

Accepted Answer

Travel insurance will typically only cover a policyholder for any new condition that occurs after the policy's effective date. No medical history or documents are needed to purchase a plan.